Ultra-high-net-worth individuals and billionaires typically bypass traditional consumer health insurance plans entirely, opting instead for direct primary care, concierge medicine, and international private medical insurance (IPMI) networks. Concierge medicine models involve retaining elite private physicians and medical teams who provide 24/7 personalized care, immediate access to world-class specialists, and customized preventative diagnostics. For global travel and hospitalizations, they utilize specialized executive policies from global insurers like Allianz Partners or Bupa Global.
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